At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most. About the Capital Team The Capital team manages the financial foundation that supports Affirm’s lending and innovation. We lead the funding, liquidity, and risk management strategy across capital markets, treasury, deal structuring, analytics, and bank partnerships. The team secures efficient funding while supporting sustainable business growth. We balance cost, flexibility, and risk to ensure Affirm’s financial resilience through all economic cycles. By optimizing capital structure and managing liquidity, we help build a scalable and resilient financial platform. We’re looking for a smart, driven individual to join our Quantitative Markets team. The team is responsible for structuring and pricing Affirm’s debt funding deals, developing platforms and tools for optimizing funding strategies, and building models to analyze and predict the performance of Affirm’s consumer loans. The ideal candidate will have experience in structuring asset-backed transactions, working with rating agencies, and building quantitative models. Given the cross-functional nature of the role, the ideal candidate should have strong interpersonal and communication skills. What You’ll Do Work closely with the Capital Markets team to evaluate, structure and price consumer asset-backed transactions Develop and enhance capital structuring and pricing models tailored to Affirm’s consumer loan portfolio to enable efficient deal execution Build quantitative models to analyze and predict the performance of Affirm’s consumer loans Provide insights on capital markets deals to cross-functional teams for more optimal and efficient funding strategy and merchant pricing Partner cross-functionally with our Capital Markets, Treasury, Merchant Pricing, Credit, Commercial, Product and Engineering teams to evaluate funding, product
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Job description
At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most. We’re looking for an intelligent, driven professional to join our Bank Model Risk Management (MRM) team. This team seeks to establish, maintain and oversee an effective MRM framework to identify, quantify, monitor, mitigate and report on model risk. You will have an outstanding opportunity to work cross-functionally to develop a profound understanding of models that drive critical business decisions, and add value to the Bank by mitigating risks due to ineffective model design or model misuse. What You'll Do Full-Stack Model Validation: Conduct rigorous, independent validations of sophisticated credit/fraud models—including machine learning and traditional statistical models—focusing on conceptual soundness, da
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Skills & requirements
Qualification
For positions based in San Francisco or Los Angeles: Affirm considers qualified applicants with arrest and conviction records, as required by law
Department · Bank Strategy
Hiring company
Affirm
At Affirm, we believe that the financial industry works better for everyone when it’s fair, honest, and inclusive. We help people pay over time for almost anything—with no late fees or surprises. Through advanced technology and analytics that look beyond FICO, we’re able to serve a much broader population than other lenders.
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$200K – $240K/yr
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